dv01 provides a heavily utilized set of calculations/attributes utilized in the mortgage space.



Overview


Across our mortgage datasets you will find our Clean Pay and 60+ days DQ options. These can be leveraged as filters, strats, and metrics/calculations:


Under Payment Behavior, the Clean Pay and 60+ days DQ are filter options:


In the Analysis/Compare pages, Clean Pay and 60+ days DQ are both Analyze By and Strat By options:



In the Reports page, Clean Pay and 60+ days DQ are available as strat and calculations/aggregates:




Definition/Methodology


Clean Pay defines loans that have been current/never missed a payment within a period of time:


  • Clean Pay 6 Months - have not missed a payment in 6 months
  • Clean Pay 12 Months - have not missed a payment in 12 months
  • Clean Pay 24 Months - have not missed a payment in 24 months



60+days DQ defines loans that have been 60 or more days delinquent within a period of time:

  • DQ 60+ 6 Months - have been 60 or more days delinquent in 6 months
  • DQ 60+ 12 Months - have been 60 or more days delinquent in 12 months
  • DQ 60+ 24 Months - have been 60 or more days delinquent in 24 months



dv01 utilizes the end of month performance status to derive the Clean Pay and 60+days DQ options.



Note: dv01 utilizes the end of month performance status to derive the Clean Pay and 60+days DQ options. The Analyze by metrics are only available for the historical analysis/compare pages only.